Our Services

As Wealth Advisors, our team aids clients in many aspects of investment planning.  Some of our services are listed below.  However, our focus is to work with our clients to set priorities and determine where we can provide the most value to clients toward achieving their goals.  Once this plan of action is developed we find that our clients have a higher level of satisfaction.  We understand that every investor and family is different and we have to work differently to help you achieve your personalized goals.  We invite clients and prospective clients to discuss this approach with us and how we may be of service. 

We serve individuals and businesses in all areas of investment planning, including:

• Retirement planning - Help making the most of your employer-sponsored retirement plans and IRAs. Determining how much you may need to retire comfortably. Managing assets before and during retirement.

• Tax management* - Help making sure your portfolio is tax-efficient. Developing tax saving investment strategies. Referring you to qualified tax specialists.

• Estate planning* - Working with our estate-planning and trust specialists to review your wills and trusts, helping preserve your estate for your intended heirs, help with beneficiary designations, reduce potential exposure to estate taxes and probate costs and coordinate with your tax and legal advisors.

• Education cost planning - Recommending investment and accumulation strategies to help you pay for your loved ones education.

• Investment management - Determining your asset-allocation needs. Helping you understand your risk tolerance. Recommending investment services to help you reach your goals.

• Employee and executive benefits - Helping your business attract and retain qualified employees through benefit packages.

*Wachovia Securities, LLC, Wachovia Securities Financial Network, LLC and Bay Rivers Group do not provide tax or legal advice. Please consult with your tax and legal advisors before taking any action that may have tax consequences. Trust services are offered through Wachovia Bank, National Association, a national banking association (chartered by the Office of the Comptroller of the Currency) and a wholly owned subsidiary of Wachovia Corporation.

**Insurance products are offered through non-bank insurance agency affiliates of Wachovia and are underwritten by unaffiliated insurance companies.